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Is counseling just for married couples?
What is the cost?
Please read this statement by Willard Harvey, author of His Needs/Her Needs.
Insurance generally will not pay for marriage counseling unless the counselor finds you or your spouse suffering from a mental disorder. Marriage counseling is covered as treatment for the disorder, but not otherwise. If you see a counselor who uses your insurance, you can be almost certain that you’ve been diagnosed to have a mental disorder. It’ll be on your record for years to come and may prevent you from obtaining certain jobs or qualifying for certain types of insurance. Furthermore, if you really do not have a mental disorder, but it’s been diagnosed just to collect insurance, your insurance company may challenge the diagnosis leaving you responsible for the bill. If you’re offered counseling for what your insurance pays with no other cost to you, its illegal. Call your insurance company or your state’s insurance commissioner to report the attempt to commit insurance fraud.
It’s safe to assume that you may need to pay for therapy out of your pocket. So how much do marriage counselors charge? Rates vary from about $45 to $200 per session. The average is about $95. Since most marriage counselors see couples one session a week for the first three months, you can expect to pay about $1200 in that period of time if it’s at about $95/hr. Most of my clients have paid under $1200 by the time they’ve completed therapy. But some counseling can continue weekly for as long as two years before the problems have been resolved. That would cost a couple $10,000 over two years. While it may seem like a fortune, the cost of divorce is often many times that figure.
To help put the cost of marriage counseling in perspective, there’s nothing you can buy for $10,000 that will give you the same quality of life that a healthy marriage provides. If you and your spouse love each other and meet each others important emotional needs, you’ll be able to do without many other things and still be happier in the end. Besides, I’ve found that people seem to earn more and save more after their marital problems are solved. The money you spend to resolve your marital problems is money well spent.
How long are the sessions?
Do you accept insurance?
Here are the 4 main reasons I do not accept insurance:
1. Lack of confidentiality: Insurance companies require diagnosis information and other treatment information in order to authorize treatment. Once that is provided by a therapist, the therapist can no longer insure that the information will remain confidential.
2. Difficulty getting treatment authorized: Sometimes there is a lengthy process involved in getting authorization for treatment. This can cause your treatment to be inconsistent, broken up, and can cause further delays in getting the help you need.
3. Misdiagnosing or over diagnosing in order to get treatment authorized: most insurance companies will not cover treatment unless it is “medically necessary”. This may mean the client has to “pretend” to have a diagnosis in order to receive benefits.
4. Most insurance companies do not cover marriage or family counseling unless it is part of a treatment plan for a more serious mental disorder.